Credit union · NCUA insured
ZIA CU CD Rates
ZIA CU’s best CD rate is 4.29% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How ZIA CU’s CD rates compare
Compared with banks and credit unions near Santa Fe, NM, where ZIA CU has the most branches. $10,000, best rate first.
This credit union’s best
ZIA CU
4.29%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $876
Share Certificate
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
ZIA CU CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo4.29%
- 31–60 months31–60 mo0.80%
- QualifiedQualified4.29%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ZIA CU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.29%APY · 10 terms
Fixed rates. Minimum deposit $1,000. Early withdrawal penalty applies. ZAP loyalty rewards can increase certificate rates by up to 0.50% APY (0.10% per qualifying product/service).
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $95,000 | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90 Days term. Balance $1,000 & Greater tier | 0.10% | — | — | —0.10% $1k–$10k | — |
| 3 months90 Days term. Balance $10,000 & Greater tier | — | 0.15% | — | 0.15% | $4 |
| 3 months90 Days term. Balance $95,000 & Greater tier | — | — | 0.15% | —0.15% from $95k | — |
| 6 months6 Months term. Balance $1,000 & Greater tier | 3.72% | — | — | —3.72% $1k–$10k | — |
| 6 months6 Months term. Balance $10,000 & Greater tier | — | 3.72% | — | 3.72% | $184 |
| 6 months6 Months term. Balance $95,000 & Greater tier | — | — | 3.72% | —3.72% from $95k | — |
| 7 months7 Month "Lucky 7" Special. Balance $10,000 & Greater tier | — | 3.72% | — | 3.72% | $215 |
| 7 months7 Month "Lucky 7" Special. Balance $95,000 & Greater tier | — | — | 3.72% | —3.72% from $95k | — |
| 12 months12 Months term. Balance $1,000 & Greater tier | 0.25% | — | — | —0.25% $1k–$10k | — |
| 12 months12 Months term. Balance $10,000 & Greater tier | — | 0.40% | — | 0.40% | $40 |
| 12 months12 Months term. Balance $95,000 & Greater tier | — | — | 0.45% | —0.45% from $95k | — |
| 18 months18 Months term. Balance $1,000 & Greater tier | 0.35% | — | — | —0.35% $1k–$10k | — |
| 18 months18 Months term. Balance $10,000 & Greater tier | — | 0.45% | — | 0.45% | $68 |
| 18 months18 Months term. Balance $95,000 & Greater tier | — | — | 0.45% | —0.45% from $95k | — |
| 24 months24 Months term. Balance $1,000 & Greater tier | 4.29% | — | — | —4.29% $1k–$10k | — |
| 24 months24 Months term. Balance $10,000 & Greater tier | — | 4.29% | — | 4.29% | $876 |
| 24 months24 Months term. Balance $95,000 & Greater tier | — | — | 4.29% | —4.29% from $95k | — |
| 30 months30 Months term. Balance $1,000 & Greater tier | 0.45% | — | — | —0.45% $1k–$10k | — |
| 30 months30 Months term. Balance $10,000 & Greater tier | — | 0.50% | — | 0.50% | $125 |
| 30 months30 Months term. Balance $95,000 & Greater tier | — | — | 0.55% | —0.55% from $95k | — |
| 36 months36 Months term. Balance $1,000 & Greater tier | 0.50% | — | — | —0.50% $1k–$10k | — |
| 36 months36 Months term. Balance $10,000 & Greater tier | — | 0.60% | — | 0.60% | $181 |
| 36 months36 Months term. Balance $95,000 & Greater tier | — | — | 0.70% | —0.70% from $95k | — |
| 48 months48 Months term. Balance $1,000 & Greater tier | 0.60% | — | — | —0.60% $1k–$10k | — |
| 48 months48 Months term. Balance $10,000 & Greater tier | — | 0.70% | — | 0.70% | $283 |
| 48 months48 Months term. Balance $95,000 & Greater tier | — | — | 0.80% | —0.80% from $95k | — |
| 60 months60 Months term. Balance $1,000 & Greater tier. Eligible to earn up to 1.20% APY with ZAP rewards | 0.70% | — | — | —0.70% $1k–$10k | — |
| 60 months60 Months term. Balance $10,000 & Greater tier | — | 0.80% | — | 0.80% | $406 |
| 60 months60 Months term. Balance $95,000 & Greater tier | — | — | 0.90% | —0.90% from $95k | — |
Special-purpose accounts
Youth Share Certificate
5.00%APY · 1 term
Available to members age 18 or younger. Minimum deposit of $300 required to open, maximum opening balance $20,000. Only one Youth Share Certificate per qualifying member at a time. Automatically renews each year until age 30, at which point funds transfer to a Share Savings account. Does not qualify for ZAP Member Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Months term. Automatically renews each year at the current Youth Share Certificate rate until age 30 | 5.00% | $500 |
Sources (1)
- ziacu.org/certificates · captured Oct 3, 2026
IRA Share Certificate
Up to 4.29%APY · 9 terms
Minimum deposit of $1,000 required to open. Early withdrawal penalties apply.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $95,000 | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90 Days term. Balance $1,000 & Greater tier | 0.10% | — | — | —0.10% $1k–$10k | — |
| 3 months90 Days term. Balance $10,000 & Greater tier | — | 0.15% | — | 0.15% | $4 |
| 3 months90 Days term. Balance $95,000 & Greater tier | — | — | 0.15% | —0.15% from $95k | — |
| 6 months6 Months term. Balance $1,000 & Greater tier | 3.72% | — | — | —3.72% $1k–$10k | — |
| 6 months6 Months term. Balance $10,000 & Greater tier | — | 3.72% | — | 3.72% | $184 |
| 6 months6 Months term. Balance $95,000 & Greater tier | — | — | 3.72% | —3.72% from $95k | — |
| 12 months12 Months term. Balance $1,000 & Greater tier | 0.25% | — | — | —0.25% $1k–$10k | — |
| 12 months12 Months term. Balance $10,000 & Greater tier | — | 0.40% | — | 0.40% | $40 |
| 12 months12 Months term. Balance $95,000 & Greater tier | — | — | 0.45% | —0.45% from $95k | — |
| 18 months18 Months term. Balance $1,000 & Greater tier | 0.35% | — | — | —0.35% $1k–$10k | — |
| 18 months18 Months term. Balance $10,000 & Greater tier | — | 0.45% | — | 0.45% | $68 |
| 18 months18 Months term. Balance $95,000 & Greater tier | — | — | 0.45% | —0.45% from $95k | — |
| 24 months24 Months term. Balance $1,000 & Greater tier | 4.29% | — | — | —4.29% $1k–$10k | — |
| 24 months24 Months term. Balance $10,000 & Greater tier | — | 4.29% | — | 4.29% | $876 |
| 24 months24 Months term. Balance $95,000 & Greater tier | — | — | 4.29% | —4.29% from $95k | — |
| 30 months30 Months term. Balance $1,000 & Greater tier | 0.45% | — | — | —0.45% $1k–$10k | — |
| 30 months30 Months term. Balance $10,000 & Greater tier | — | 0.50% | — | 0.50% | $125 |
| 30 months30 Months term. Balance $95,000 & Greater tier | — | — | 0.55% | —0.55% from $95k | — |
| 36 months36 Months term. Balance $1,000 & Greater tier | 0.50% | — | — | —0.50% $1k–$10k | — |
| 36 months36 Months term. Balance $10,000 & Greater tier | — | 0.60% | — | 0.60% | $181 |
| 36 months36 Months term. Balance $95,000 & Greater tier | — | — | 0.70% | —0.70% from $95k | — |
| 48 months48 Months term. Balance $1,000 & Greater tier | 0.60% | — | — | —0.60% $1k–$10k | — |
| 48 months48 Months term. Balance $10,000 & Greater tier | — | 0.70% | — | 0.70% | $283 |
| 48 months48 Months term. Balance $95,000 & Greater tier | — | — | 0.80% | —0.80% from $95k | — |
| 60 months60 Months term. Balance $1,000 & Greater tier | 0.70% | — | — | —0.70% $1k–$10k | — |
| 60 months60 Months term. Balance $10,000 & Greater tier | — | 0.80% | — | 0.80% | $406 |
| 60 months60 Months term. Balance $95,000 & Greater tier | — | — | 0.90% | —0.90% from $95k | — |
Sources (1)
- ziacu.org/certificates · captured Oct 3, 2026
Who can join ZIA CU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who makes a one-time donation of at least $10.00 to the Zia Credit Union Education Foundation is eligible for membership.
Where you live or work
- Individuals who live, work, or worship in Bernalillo, Doña Ana, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Sierra, Socorro, Taos, Torrance, or Valencia counties are eligible for membership.
- Individuals who live, work, or worship in a primarily rural and/or underserved area of New Mexico are eligible for membership.
Family and household
- Individuals related to a current ZIA CU member are eligible for membership.
Other ways
- Former members of ZIA CU are eligible to rejoin.
Cost to join
- Membership requires opening a Share Savings Account with a minimum balance of $25.
Membership information collected October 4, 2026.